Should you bring a debit card when traveling internationally?

Using a debit card that reimburses ATM-operator fees and doesn't charge ATM fees or foreign-exchange fees can save you money when traveling abroad. Being able to withdraw small amounts of foreign currency without having to worry about fees can be convenient, especially if you're hopping from one country to another.



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If you are heading abroad for your trip, you will want to avoid foreign transaction fees. Although both credit and debit cards are subject to this 2-4% upcharge, getting a credit card without a foreign transaction fee is a bit easier than finding a debit card with no foreign fees.

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While you're traveling:
  1. Have multiple payment options. Keep an alternate form of payment in a different bag in case your wallet is lost or stolen. ...
  2. Only use secure Wi-Fi networks. ...
  3. Don't post selfies until you get home. ...
  4. Limit your use of Bluetooth. ...
  5. Report your lost card quickly.


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Generally, you won't have trouble using an ATM in a foreign country as long as you let your bank know where and when you're traveling. You can do this online or by calling your bank. However, depending on your account and the ATM's operator, you may have to pay additional fees. Nonbank usage fee.

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Debit cards with a Mastercard or Visa logo are widely accepted in Europe. American Express is somewhat less common, except at tourist destinations. Most banks charge a foreign transaction fee and/or a currency conversion fee, so it is worth double-checking these costs before departure.

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Never give out your CVV when using your credit or debit card in person. Anyone asking for your CVV during an in-person transaction could be trying to steal your information. It's only safe to give your CVV number over the phone or on a secure site.

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Sharing your CVV and debit card number over the phone is risky, even with legitimate businesses—because there is no way of confirming if the caller representing the company will expose the information provided.

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Credit cards make it all too easy to overspend. Buying on credit can also make your purchases more expensive, considering the interest you may pay on them. Getting into too much debt can not only hurt your credit score but also strain relationships with family and friends.

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